Debt Collectors Violate the Federal Law When They:
*Call you at work despite you or your employer’s requests to stop.
*Call you at home or on your cell despite your requests to stop.
*Make abusive or harassing phone calls to you.
*Talk to others about your debt.
*Add unauthorized collection charges.
*Fail to report that you have disputed the debt to Credit Reporting Agencies.
*Threaten you with criminal prosecution or reporting to Internal Revenue Service.
*Threaten you with garnishment unless they already have a judgment against you.
*Do not state the exact amount of the debt in initial demand letters.
*Insist on payment within less than 30 days of their initial demand letter.
*Bad debt buyers attempting to collect old debts they cannot substantiate.
*Fail to notify you of your right to ask that they verify the debt they are collecting.
*Fail to give you a written notice of the debt within five days after you are first contacted.
*Tell consumers even if they file bankruptcy they still have to pay.
*Tell consumers they must use unemployment checks to pay their debts.
*Tell consumers they won’t get their unemployment check if they don’t repay their debts.
*Tell consumers their social security and pensions will be garnished.
Another hot area in the law is FACTA violations – so check your credit card receipts …
Unfortunately Millenials will probably not using credit card and those older folks not wanting to spend time checking them and talking to a lawyer about it.
Did you know it is illegal for certain information to be printed on a point-of-sale receipt? Merchants can ONLY reveal the last five digits of your credit or debit card. If your receipt has the expiration date of your credit or debit card, OR if it has any combination of numbers from the credit or debit card (that is not the last 5 digits of the card), it may be a violation of the Fair and Accurate Credit Transactions Act (FACTA), a law that was added with the primary purpose of protecting consumers, like you, from identity theft.
If you see such a violation, you may be entitled to money damages. We urge you to check your receipts carefully. If you suspect a merchant is violating FACTA, please alert us regarding same. FACTA cases provide the violator to pay your attorney fees and depending on the facts can be ideally suited for class actions which provide additional compensation to the class action representative.